Ford Credit Europe (FCE Bank plc) is the financial services arm of Ford Motor Company, playing a crucial role in supporting Ford's automotive business across Europe. Our Manchester Business Centre, located at First Street, is a key operational hub, providing financial services to Ford dealers across European markets and supporting our UK retail customers. We are dedicated to providing innovative and flexible vehicle financing solutions, enabling millions of customers to drive the Ford vehicle they need and helping our dealer network stock their dealerships. We pride ourselves on our customer-centric approach, robust financial products, and a dynamic team that drives our success. As we continue to expand our underwriting team in Manchester, we are looking for talented individuals to join us.

As a Dealer Services Agent, you’ll play a crucial role in one of our key retail departments by assessing the creditworthiness of potential Ford customers for both Personal & Commercial lending. Your primary responsibilities will include:

• Credit Assessment: Conducting thorough financial analysis of commercial clients, including reviewing financial statements, credit reports, business plans, and industry specific data to determine risk levels.
• Decision Making: Making informed and sound lending decisions in line with the company's credit policy, risk appetite, and regulatory guidelines, ensuring a balanced approach between business growth and risk management.
• Dealer Query Resolution: Responding to and resolving queries from Ford dealers regarding credit applications, processes, and policies, primarily via phone, email, and other communication channels.
• Communication & Collaboration: Engaging effectively with internal stakeholders (sales, operations, collections) and external partners (brokers, clients) to gather necessary information and communicate underwriting decisions clearly and concisely.
• Compliance: Ensuring all underwriting activities adhere to relevant legal, regulatory, and internal policy requirements.
• Process Improvement: Contributing to the continuous improvement of underwriting processes and policies.

You’ll join a dynamic, supportive team that values creativity, collaboration, and customer focus.

We are seeking an enthusiastic and analytical individual with a passion for finance and a keen eye for detail. While experience in commercial underwriting is highly valued, we are open to candidates at various stages of their career.

• Experience: 0-5 years of experience in credit underwriting or financial analysis, ideally within an automotive finance environment. This could include experience assessing both personal (retail) and commercial customer credit profiles for vehicle financing. A strong understanding of the unique credit considerations for both individual consumers and small to medium-sized businesses is highly desirable.
• Financial Acumen: Strong understanding of financial statements (P&L, Balance Sheet, Cash Flow) and key financial ratios. Ability to interpret complex financial data to assess business health and repayment capacity.
• Analytical Skills: Excellent analytical and problem-solving abilities, with the capacity to make reasoned decisions under pressure.
• Risk Assessment: A solid grasp of risk assessment principles and the ability to identify, evaluate, and mitigate financial and operational risks across diverse customer segments.
• Communication: Exceptional verbal and written communication skills, capable of explaining complex financial concepts clearly to both financial and non-financial audiences, and adept at handling queries effectively.
• Attention to Detail: Meticulous attention to detail and accuracy in data analysis and documentation.

• Proactive & Team Player: A self-starter who can work independently but also thrives in a collaborative team environment.

   

The Company is committed to diversity and equality of opportunity for all and is opposed to any form of less favourable treatment or harassment on the grounds of race, religion or belief, sex, marriage and civil partnership, pregnancy and maternity, age, sexual orientation, gender reassignment or disability

This position is based in Manchester, and it is expected the successful candidate will be able to attend the Manchester Business Centre for typically 3 days a week and remain flexible on the days they are required to attend the office according to business requirements.

As part of our pre-employment checks process, successful candidates will be required to undergo a criminal record check. This will be conducted in line with the Rehabilitation of Offenders Act 1974 and applied only to unspent convictions.